First Cmty Bank of Cntl Al
Wetumpka, Alabama · FDIC Cert #57124
First Cmty Bank of Cntl Al is an FDIC-insured bank (Certificate #57124) with $597M in total assets and $559M in total deposits as of the Q2 2024 Call Report. Headquartered in Wetumpka, Alabama, the bank maintains a Tier 1 capital ratio of 10.79% (Well-Capitalized) and a nonperforming loan ratio of 0.26%. BankHealthData assigns a composite Health Grade of A (87/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Cmty Bank of Cntl Al (FDIC cert 57124) is a community bank — $597M in total assets, $559M in deposits, serving the Wetumpka, Alabama area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 10.79% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.26% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 33.0% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 2.40% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. First Cmty Bank of Cntl Al carries a composite BankHealth grade of A (87/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Cmty Bank of Cntl Al
- Total Assets
- $597M
- Total Deposits
- $559M
- Tier 1 Capital Ratio
- 10.79%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.26%
- Liquidity Ratio
- 32.99%
- Return on Assets
- 2.40%
- Headquarters
- Wetumpka, Alabama
- FDIC Certificate
- #57124
- Health Grade
- A (87/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Cmty Bank of Cntl Al holds a Tier 1 capital ratio of 10.79%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Cmty Bank of Cntl Al has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Cmty Bank of Cntl Al shows strong financial health indicators. With $597M in assets and a Health Score of 87/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Cmty Bank of Cntl Al Compares
First Cmty Bank of Cntl Al’s Health Score of 87 is 21 points above the Alabama state average of 66 across 78 FDIC-insured banks. Its 10.79% Tier 1 capital ratio is 3.2 points below the US banking industry average near 14%. The 0.26% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 2.40% is in line with or above the national ROA benchmark of ~1.1%. Among 1379 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, First Cmty Bank of Cntl Al is 17 points above the portfolio average of 70.
Frequently Asked Questions
First Cmty Bank of Cntl Al has a Bank Health Score of A (87/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 10.79%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Cmty Bank of Cntl Al's Tier 1 capital ratio of 10.79% and nonperforming loan ratio of 0.26% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Cmty Bank of Cntl Al is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57124). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Cmty Bank of Cntl Al holds $597M in total assets and $559M in total deposits. It is headquartered in Wetumpka, Alabama (FDIC Certificate #57124).
First Cmty Bank of Cntl Al has a Tier 1 capital ratio of 10.79%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.26%, and the return on assets is 2.40%.
Yes. First Cmty Bank of Cntl Al is FDIC-insured (Certificate #57124). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Cmty Bank of Cntl Al's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.